After handling the pledged loan, the payment of the certificate of deposit is stopped and the withdrawal is frozen, but the interest is normal. The term of the pledged loan shall not exceed the maturity date of the certificate of deposit, that is, the loan term must be within the validity period of the certificate of deposit. During this period, the customer's certificate of deposit cannot be withdrawn, and it will be taken back by the bank as a voucher, and the customer cannot report the loss.

The pledge of certificates of deposit means that the borrower obtains loans from the bank with the unexpired personal time deposit certificate issued by the loan bank as pledge. Compared with mortgage loans, secured loans and credit loans, this loan method has extremely low risks and low interest rates.